Well i say to get it legal because it will only help you in the future. It does not cost much to do the rite way so i suggest to do everything rite. Insurance? What if you do some damage to a customers house or throw a rock at a customers car? I said the same thing ten years ago when i was just doing a couple accounts and sure enough my machines hydraulics snapped and shot the machine out of my hands and ran up the side of a customers house and ruined alot of brick so i had to pay for that so ever since that i say get insurance. That is a lil of my input on your questions. If there is anything feel free to ask?